COMPASS GROUP 2021 ENROLLMENT GUIDE

1 Table of ContentsWe invest in our associates, providing a range of benefit plans and programs to care for the whole you. the whole support you with tools, resources, and information to learn about your benefits and make thoughtful choices. It is up to you to take control and make informed decisions that prioritize your health. It is your personal journeyIt is your personal journey your health, well-being, security, and GROUP 2021 ENROLLMENT GUIDEThis Benefits ENROLLMENT GUIDE provides you with the necessary information to help you make your choices, answer many of your questions, and provide instructions to successfully complete the ENROLLMENT GROUP reserves the right to amend or discontinue any benefit plan at any time. All plans listed in this document do not apply to union associates. Union associates should refer to their Collective Bargaining Agreement for eligibility information and the plans offered.

2 Your Financial and Rewarding Journey 8-10 Learn about the tools and resources to help you keep your finances in order. Enjoy budgeting tools and exclusive discounts to help you save money every day. Resources 11 Easily locate the resources for benefit information that you need. Starting Your Journey 2-3 Take the first steps in your COMPASS GROUP journey enrolling in your benefits. Your Health and Wellness Journey 4-7 Make your health a priority. Take advantage of the programs and resources to help you improve your overall Your JourneyNo matter where you are on your journey with COMPASS GROUP , this GUIDE can help you evaluate your benefit options and navigate all that COMPASS GROUP has to you do not enroll during your eligibility period, you will not be able to enroll or make changes later unless you experience a qualified life event, employment status change, or you qualify for a Health Insurance Portability and Accountability Act (HIPAA) special Started1.

3 Review the ENROLLMENT letter that you received at home. The letter includes information about your plan options and costs, and provides you with the timeline for your Read this GUIDE carefully, as it provides you with the necessary information to help you make your benefit Log into to begin your ENROLLMENT . You can enroll on your smartphone, tablet, or your computer. To access the site, you need to know your eight-digit personnel number. IMPORTANT: You must click the Complete ENROLLMENT button to finalize and submit your you need assistance enrolling, contact the Benefit Service Center at 877-311-4747. Representatives are available Monday through Friday from 8:00 to 6:00 you need help, your COMPASS GROUP benefits are there to lend a probably know about our healthcare and retirement plan options.

4 But what about all of the physical, emotional, and financial well-being programs that can help you meet your needs?With a variety of programs available, COMPASS GROUP gives you the support you need to maintain your health and happiness. Explore all of your benefits and find what you need at re Invited to the Virtual Benefits FairThis year, you can participate in a Virtual Benefits Fair to learn more about your benefits, make informed choices, and take full advantage of your coverage. From the comfort of your own home or other location, you can virtually visit vendor booths that contain information about benefits available to you in 2021. You can also connect via email with carrier representatives who can help answer questions you may have. The fair is open 24/7 at EligibilityUnless otherwise specified, these plans are available to associates that are not eligible for COMPASS GROUP full-time benefits, are working 20 or more hours/week, and have been with the company for at least 3 months.

5 If you are an eligible associate, you can also enroll your eligible dependents (except for Short-Term Disability). All associates may not be eligible for all plans within the associates should refer to their collective bargaining agreement for more dependentsYour eligible dependents include: Your lawful spouse (regardless of gender) who is not living separate and apart from you. Children, including stepchildren, to the end of the month in which he or she becomes age 26, and unmarried children age Life EventsIn general, you cannot change the coverage you elect until the next Annual ENROLLMENT period. However, you may make changes to some of your benefits during the plan year if you experience a qualifying life event (QLE). Examples include marriage, divorce, or birth or adoption of a child. You must submit your change request and supporting documentation within a specified period, as noted in the plan documents.

6 All benefit changes must be consistent with the type of event you are experiencing. For details, visit do I make benefit changes if I experienced a Life Event*?To initiate an event online, visit * Federal law currently recognizes several other events that may also permit you to make election changes during the plan year. Refer to the Summary Plan Description at for more the following HIPAA Special ENROLLMENT events, you may enroll or make changes to coverage within 60 days of your event datewithin 60 days of your event date:: Marriage Birth, legal adoption of child, placement for adoption, permanent guardianship Loss of GROUP insurance coverage Gain or loss of Medicaid or Children s Health Insurance Program (CHIP) coverage Eligible dependent entering the United StatesFor the following qualified life events, you may enroll or make changes to coverage within 30 days of your event datewithin 30 days of your event date.

7 Gain of GROUP coverage Dependent loses eligibility (divorce/legal separation/guardianship termination) Eligible dependent leaving the United States Death of a dependent Dependent daycare changeYou are required to submit documentation supporting your life event within 30 dayswithin 30 days of declaring your event. If you fail to provide the required documentation, your requested benefit change(s) will be denied. 4 Your Health and Wellness Journey You can reduce your out-of-pocket medical costs when you visit a hospital, physician, pharmacy, and/or other provider in aetna s extensive network. Associates and their family members can call the free, anonymous 24/7 Substance Use Treatment Helpline at 855-780-5955 to get personalized assistance with alcohol and drug your health a priority. COMPASS GROUP offers supplemental benefits to help you be prepared for the unexpected.

8 Take advantage of these resources and help to live your best life!I need to focus more on my health and for more plans do not count as minimal essential coverage under the Affordable Care Act (ACA). These are a supplement to health insurance and are not a substitute for major medical coverage. Plans are not available in all states and exclusions or limitations apply. Union associates should refer to their Collective Bargaining Agreement for more this fixed indemnity plan have COBRA continuation coverage?Unlike a traditional health plan, this fixed indemnity plan does not offer COBRA continuation and Limitations This plan does not cover all healthcare expenses and has exclusions and limitations. Members should refer to their plan documents to determine which healthcare services are covered and to what extent.

9 The following is a partial list of services and supplies that are generally not covered, though your plan may contain exceptions to this list based on state mandates or the plan design include: All medical or hospital services not specifically covered in, or which are limited or excluded in, the plan documents Cosmetic surgery, including breast reduction Custodial care Infertility services, including, but not limited to, artificial insemination and advanced reproductive technologies, donor egg retrieval, and reversal of sterilization Non-medically necessary, and experimental or investigational, services and suppliesNo benefit is paid for or in conjunction with the following stays or visits or services: Those received outside the United States Those for education or job training, whether or not given in a facility that also provides medical or psychiatric treatmentAetna Fixed Benefits PlanThe aetna Fixed Benefits Plan pays daily fixed cash benefits for covered services.

10 You can use that cash to help pay some of the costs that pop up, like doctor visits, hospital stays, or is a good partner with medical plans, since it pays regardless of any other insurance you have. It can help you afford a big deductible common in many of today s major medical plans. You can reduce your out-of-pocket medical costs when you visit a hospital, physician, pharmacy, and/or other provider in aetna s nationwide network. Just use the provider search* to find in-network doctors and medical specialists in your area: you or your spouse have a health savings account, please consult your tax advisor before you enroll.* If you see a provider that participates in the aetna network affiliated with this program, the amount you owe the provider is reduced because aetna has already negotiated a discount.